Royal bank of scotland problems with transfer of funds to us?

I am currrently sending money to my account in the us every month.  I use a Credit Union in the US and the royal bank of scotland here.  Every month on the 1st I send 1000 pounds to US and pay a fee of 20 pounds to send it.  A few days later Royal Bank of Scotland will send a notice saying the money has been transferred and how much it was in dollars.  Well once the founds get to my account in US about 30 dollars is missing from the amount originally quoted from RBS.

1. 1st step- Spoke with bank in US stated that they do not charge any fees on their end.

2. 2nd step- Spoke with royal bank of scotland- had to mail them a copy of the forms they sent me and wrote on them what the actual deposit was.  A few days later they called me and said that the bank in us is using a third party Bank of America and that the fees must be coming from them and they should show as fees on my checking account.

3. 3rd step- Emailed us bank and they stated again that they do not use a third party and do not have any fees. 

the last of the three makes sense to me that if the us bank was taking out fees it would have to show up on my statement. 

Has anyone had problems with Royal bank of scotland.. thems seems illegal to me?

The fee will almost certainly be from their US correspondent bank (the one that sends the money on to the Credit Union) what is surprising is that RBS cannot tell how much that fee is.

Ask to speak to the manager and I'm sure s/he'll be able to tell you the receiving charge amount is, It's standard for all RBS sent to the US, likewise at Barclays we have a standard fee for the US which is different to Canada etc.

Another thing to have a look at is the charging arrangements, we normally offer three types (using above costs)

a UK account to pay all fees (you are charged £1,000+ £20 +$30)
b UK account to pay UK fees (you are charged £1,000 + £20, US account is charged $30)
c UK account pays no fees (you are charged £1,000, US pays £20 + $30)

Have you perhaps recently changed which box you've ticked?

http://www.rbs.co.uk/Personal_Finances/Travel_and_International_Services/Making_International_Payments/roy_econ.htm

The section under charges implies that the other side makes charges, hope this helps

Thanks for your reply have spoke with us bank and their are no charges on their end for wire transfer and they do not use a third party.

The problem is with rbs and their inability to know what is going on.  They are using the third party which is taking out extra fees which I have no record of.  This should be illegal.  The lady at rbs just said well we aren't taking out the fees.  I told her no you aren't but the third party U are using does and I have no record of the money being taken out.  She told me I should have assumed money would be taken out. This is not in writing nor was I told this.  Then she told me well we didn't know what fees might be charged by a third party if any when you set it up. hum don't you think they could have written me a letter or statement of that fact.  Then she had the nerve to tell me that nobody has complained before.. the nerve of her

I have to change banks now probably.  I thought Barclays would transfer to Barclays in new york and the fees would be minimal?  I wonder if it is worth my while to open an account at barclays us and uk.. would that minimize fees?

Not that this helps really, but a friend of mine has lots of trouble with RBS. She's always having to go to higher and higher managment to get answers.

@Elizabeth I would n't worry about opening an account with Barclays in NY we charge the same £4 for all payments to the USA.

The charge is either a flat fee like the US or a percentage from memory Spain is the most expensive their side take 0.15% of the funds

From more info have a look at http://barclays.metafaq.com/templates/barclays/main/answerPage?_mftvst:answerName_travel_international=%24payabroad

How much would barclays charge for the transfer to us?

RBS charges 20 pounds for 5 business days and use a third party who is charging me 20-25 dollars the reason rbs says is because I am transferring money to a credit union


funny thing... the credit union charges no fees on their end I wonder if Barclays would do that?

I don't have a maestro card either I wonder how long that would take to get?

The Barclays link above details charges etc. £20 UK £4 USA same sort of time scales.

Fees like taxes are always with us I'm afraid.

Assuming you are either working or are a homemaker all of current accounts come with a Visa debit card of some sort

I use Barclays for a £ to $ transfer and pay £30 and the funds are in my US account the next day. Yes a bit expensive but I trust them and its very quick.